Every calculator,
one calm place.

Use before you start house hunting to know your true budget - not what the bank pre-approves, but what you can actually afford each month.

Use after you know your budget but before making an offer. Especially useful if you’re scraping together your down payment.

Use when you’re 6–24 months away from buying and deciding whether to wait and save more, or buy now with less down.

Use when you’re unsure whether to keep renting or buy, especially in expensive markets where monthly rent seems cheaper than a mortgage.

Use when you’re deciding between a 5-year fixed and a 5-year variable mortgage, especially when rates are volatile.

Use after you’ve found a specific property and want to know the real monthly hit to your cash flow, not just the mortgage payment.

Use before listing your home or before a realtor visit to have a number in mind for pricing discussions.

Use before you list to understand your bottom line, or compare selling with Homees at 1% vs a traditional 2.5% agent.

Use when you’re moving but love your current home and wonder if it could become your first income property.

Use when you’re considering skipping the agent to save commission but want to see what you’re actually giving up.

Use when you bought pre-construction and your circumstances changed - or the market moved and you want to cash out before closing.

Use before pricing your listing or making an offer to understand whether you’re in a buyer’s, seller’s, or balanced market.

Use on every income property before you submit an offer. This is the tool that separates investors from speculators.

Use specifically for 5+ unit apartment buildings or when you need CMHC-insured financing with the best possible terms.

Use before you buy a property intending to convert or add units - or when evaluating a lot for development.

Use when you’re exploring a new market and want to compare which neighbourhoods offer the best rent-to-price ratios.

Use when you’re hunting for below-market deals or off-market opportunities where the seller may accept a lower offer.

Use when you’re rate shopping or negotiating with your existing lender at renewal.

Use whenever you hit a term you don’t recognize - from “amortization” to “DSCR” to “vendor take-back mortgage.”